Personal Insurance

Use our Online Quote Form to request an insurance quote based on your family’s needs.

As an independent insurance agency, we offer individual and group:

Health

Dental

Life

Disability

We can also help you plan for retirement.

Whether you need health insurance because you are no longer covered under a group plan, you need life insurance to protect your spouse and children or you are planning for retirement - call us today, we can help.

Life Insurance--
It’s not for you, it’s for the people you leave behind.

When you purchase life insurance, you want the type of coverage that fits your needs and your pocket book.

There are various types of life insurance policies to choose from. Whether you need term, whole life, universal life or variable life - we can help. We will work with you directly to determine how much you need and which kind is right for your situation.

What if I already have life insurance? Great. But are you sure it is enough and it is providing you the best coverage for your hard earned dollar?

Securities and Investment Advice Offered Through Capital Financial Services, Inc. Broker/Dealer Investment Advisor Member FINRA/SIPC
www.FINRA.org  www.SIPC.org
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Health Insurance

With the increasing costs of health insurance - it is important to have the coverage that meets your needs.  We work with various insurance companies in order to offer you the best options available today.
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Life is full of surprises - are you ready if you become disabled and no longer can provide income to your family?

You’ve protected your family’s future with life insurance in case of your untimely death.
But what would happen if you didn’t die?

Disability income insurance cannot protect people from heart attacks and car accidents.
It can provide financial support to replace income lost as the result of an accident or illness.

Age

Percent

Chances

30

25%

1 out of 4

35

23%

3 out of 13

40

22%

2 out of 9

45

21%

1 out of 5

50

18%

2 out of 11

55

11%

1 out of 9

60

9%

1 out of 11

If your income is essential - it needs protection!

Your chances of becoming disabled are greater than you think.  Look at the possibility of a disability lasting 90 days or longer before age 65.

Source: Transactions.
Society of Actuaries 1981
Reports. pg. 265
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Dental Insurance

We all know how expensive a few trips to the dentist can be - especially with children.  If you are not currently under a dental plan - it may be beneficial to have dental insurance.
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Important stages in your life when you need to review your insurance coverage:

You get married

Your family increases in size

Change careers

Purchase a home

Start you own business

Ready for retirement
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Mutual Funds/Tax Sheltered Annuities
Individual Retirement Accounts/Simplified Employee Pension*

Mutual Funds*

Annuities

 Growth Funds

 Variable Annuities*

 Income Funds

 Equity Index Annuities

 Tax Exempt Funds

 Fixed Annuities

 International Funds

 

 Sector Funds

 

*Securities and investment advice offered through Capital Financial Services, Inc.
Broker - Dealer - Investment Advisor - Member NASD/SPC
1 North Main Street, Minot, ND 58703

Have you avoided investment plans due to complexity?
Are you sure your are putting enough away for retirement?
We offer various investment options:
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Securities and Investment Advice Offered Through Capital Financial Services, Inc. Broker/Dealer Investment Advisor Member FINRA/SIPC
www.FINRA.org  www.SIPC.org